Mortgage Broker in Juno Beach, FL

Short answer

Most Juno Beach buyers are buying a condo: the median townhouse or condo sold for $615,000 in Q3 2026, while the few houses that sold had a median of $1,850,000, well into jumbo territory. QMS Lending is an independent mortgage broker that compares Juno Beach purchases and refinances across 100+ lenders, from conventional and FHA condo loans to jumbo and non-warrantable financing.

What homes cost in Juno Beach right now

The Town of Juno Beach recorded 13 townhouse and condo sales in Q3 2026 at a median of $615,000, down 5.4% from a year earlier, per Florida Realtors data published by MIAMI REALTORS (as of November 2026). Only 3 single-family homes sold, at a median of $1,850,000, up 4.2%. With so few house sales, that house median moves a lot from quarter to quarter; treat it as a range marker, not a precise price.

Condos are slow here. The median condo took 142 days to go under contract, sellers got 92.9% of original list price, and there were 8.6 months of supply with 58 active listings. Houses were tighter: 9 active listings, 4.7 months of supply and a 20-day median to contract. For comparison, the Palm Beach County medians were $655,000 for houses and $307,500 for condos.

Cash dominates: all 3 house buyers and 10 of the 13 condo buyers paid cash. A financed buyer who shows up with a fully underwritten pre-approval and a building already reviewed by the lender has room to negotiate on a condo that has sat for months.

Juno Beach is a small oceanfront town between Jupiter to the north and the Singer Island area to the south, incorporated in 1953. The 2020 census counted 3,858 residents with a median age of 66.5, and 54.0% were 65 or older. It is known for the Loggerhead Marinelife Center, a 993-foot fishing pier and a major sea turtle nesting beach, and most housing is condos along the beach and the Intracoastal.

Condo loans: conventional, FHA or non-warrantable

At the Q3 2026 condo median of $615,000 (as of November 2026), most Juno Beach condo loans fit under both the 2026 conforming limit of $832,750 and the Palm Beach County FHA 1-unit limit of $667,000. The building decides the program more than the price does.

• Conventional, 10% down: $61,500 down leaves a $553,500 loan, if the project is warrantable.
• FHA, 3.5% down: $21,525 down leaves a $593,475 base loan, under the $667,000 limit, but only if the building is on the FHA-approved list. Many older beach condos are not.
• Second homes: Juno Beach draws seasonal buyers. A conventional second-home loan generally needs at least 10% down and the unit must be for your own use, not a full-time rental.
• Investors: a DSCR loan qualifies on the unit's rent instead of your income. It is a business-purpose loan, not for a home you live in, and many associations here restrict short-term rentals, so read the rules first.

If the condo questionnaire shows open structural repairs, a large special assessment, pending litigation or too many units owned by one entity, conventional and FHA lenders may decline the building. A non-warrantable condo loan can still work, usually with a larger down payment.

Milestone inspections and SIRS on the beach

Juno Beach's condo stock sits right on salt water, which is exactly what Florida's post-2021 condo safety laws target (as of November 2026):

• Milestone inspections (F.S. 553.899): condo and co-op buildings three habitable stories or taller need a structural inspection by December 31 of the year they turn 30, then every 10 years. The local building official may require it at 25 years based on conditions such as closeness to salt water.
• Structural integrity reserve study (F.S. 718.112): the same buildings need a SIRS at least every 10 years, and associations can no longer waive or cut reserves for roof, structure, waterproofing, windows and similar items. The first study is due no later than December 31, 2026.

For a buyer, that shows up as higher monthly dues, a special assessment, or both. It also explains part of the 142-day median time to contract. Ask for the milestone report, the SIRS and the current budget before you sign, and we will run them past lenders before you are under contract.

Houses in Juno Beach are jumbo loans

At the Q3 2026 house median of $1,850,000, 20% down is $370,000 and leaves a $1,480,000 loan, far above the $832,750 conforming limit, so it is a jumbo loan. Keeping that house conforming would take about $1,017,250 down, roughly 55%.

Jumbo lenders usually want stronger credit, more months of reserves and a full appraisal, and their rules on down payment and reserves differ widely. That spread is why shopping 100+ lenders matters at this price. Self-employed buyers can use bank statement loans, and buyers moving from another home can use a bridge loan to fund the down payment before the old home sells.

Many Juno Beach owners are retirees with paid-off homes. A HELOC or a reverse mortgage can turn that equity into cash without selling, subject to age, equity and credit rules.

Juno Beach property taxes

Juno Beach's own town rate is low, 1.8195 mills in both 2025 and the 2026 proposed budget, per the Palm Beach County Property Appraiser. The town is served by Palm Beach County Fire Rescue and the county library system, so those levies are on the bill: fire-rescue 3.4581 mills and library 0.5491.

Adding the county (4.5000 plus 0.0210 debt), the school board (3.2480 local plus 3.0390 state), Children's Services (0.4908), the Health Care District (0.6561), the water management district (0.2301 combined), FIND (0.0270) and the Jupiter Inlet District (0.0722) gives about 18.11 mills, roughly 1.81% of taxable value using 2026 proposed rates (as of November 2026). The appraiser's 2025 district total for Juno Beach was 18.1569 mills.

On a $615,000 condo that is about $11,100 a year before the homestead exemption; on a $1,850,000 house, about $33,500. The Save Our Homes cap resets at sale, so the seller's bill is not your bill. Condo dues and any assessment come on top. Voters decide a statewide property-tax amendment on November 3, 2026; budget on current law until the result is known.

Flood zones, sea turtle rules and insurance

New FEMA flood maps for Palm Beach County took effect on December 20, 2024, and Juno Beach was on the county's list of affected municipalities; countywide, more than 16,000 parcels saw the base flood elevation rise by a foot or more. The town lists the shoreline, Pelican Lake, inland water bodies and low-lying streets as its flood-prone areas.

If the property is in a Special Flood Hazard Area (an A or V zone) and you finance it, the lender will require flood insurance. Juno Beach is a CRS Class 5 community, which gives NFIP policyholders in high-risk zones a 25% discount (5% outside them). For condos, ask whether the association carries a master flood policy and how much it covers. The town's Planning and Zoning Department (561-626-1122) handles flood map questions, and you can check any address on the FEMA Flood Map Service Center. See what a flood zone means for your loan.

Properties within 600 feet of the mean high-water line are in the town's Sea Turtle Protection Zone. Replacing windows or glass doors that face the beach there needs a sea turtle lighting permit and tinted glass with visible light transmittance of 45% or less, which affects renovation budgets. For older units, also plan on a 4-point inspection and a wind mitigation report for homeowners insurance.

Down payment help in Juno Beach

We did not find a town-run buyer assistance program in Juno Beach. Palm Beach County's Homebuyer Match Pilot (dollar-for-dollar match up to $50,000 on at least $10,000 of your own cash, homes up to $700,000) can reach a condo near the town median; its 2026 window ran March 30 to April 20, 2026 and is closed. County SHIP Purchase Assistance (up to $100,000, forgiven after 30 years) caps the price at $568,557, below the median, and its last round reached its application limit. Call county Housing and Economic Development at 561-233-3600 for the next round.

Statewide, Florida Hometown Heroes offers up to 5% of the first mortgage ($10,000 to $35,000) to eligible first-time buyers in health care, schools, public safety and similar jobs, plus military and veterans. See Florida down payment assistance programs and Hometown Heroes 2026.

Working with QMS Lending in Juno Beach

QMS Lending is an independent mortgage broker in Miami, FL, founded in 2018 (NMLS #1781090). For Juno Beach buyers that means one application priced across 100+ wholesale lenders instead of one bank's menu, which matters most on jumbo, condo and self-employed files. Disclosures, documents and closing coordination run by e-sign and phone, with a local title company handling the closing.

The team is bilingual (English and Spanish), led by Michael Fernandez, NMLS #1491775, President, and rated 4.9 stars across 200+ Google reviews. Our office is at 3105 NW 107th Ave Ste 400-O6, Doral, FL 33172. Rates vary daily; call 305-425-1990 for today's pricing. All loans are subject to credit approval and property eligibility. Equal Housing Opportunity.

Down payment help for Juno Beach buyers

• Palm Beach County SHIP Purchase Assistance Up to $100,000 as a 0% deferred loan forgiven after 30 years; max price $568,557 (below the Juno Beach condo median); income up to 140% AMI ($114,660 for 1, $163,660 for 4). Last round reached its application limit. 561-233-3600. ↗
• Palm Beach County Homebuyer Match Pilot Dollar-for-dollar match up to $50,000 on a buyer contribution of at least $10,000; homes up to $700,000. The 2026 window (March 30 to April 20, 2026) is closed; watch for the next one. ↗
• Florida Hometown Heroes Up to 5% of the first mortgage ($10,000 to $35,000) as a 0%, 30-year deferred second, not forgivable; first-time, income-qualified buyers working full time for a Florida employer in health care, schools, public safety, courts or child care, plus military and veterans. ↗

Nearby cities

JupiterNorth Palm BeachPalm Beach GardensRiviera BeachTequesta